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Author:Ryder Perlmeter, Emily 

Material Hardship and the CARES Act: Experiences of American Families

How did households use the aid provided by the CARES Act? Who had trouble accessing benefits? And in a polarized political climate, what did Americans think about the way the expanded safety net was offered—for themselves and their communities?
Dallas Fed Communities

Who Benefited from the Paycheck Protection Program? Our Texas Analysis Offers an Early Look

Though many hail the Paycheck Protection Program as a historic lifeline for the economy, others have raised concerns that the program reinforces inequities and has led to loan approvals not in alignment with its mission.
Dallas Fed Communities

Opportunity Zones: How Will We Know if Communities Reap the Benefits?

Much has happened since the Dallas Fed released its first article on Opportunity Zones (OZs). While we know a lot more than we did, some aspects of OZs remain unclear.
Dallas Fed Communities

Shock, Grief and Opportunity: The Emotional Roller Coaster of COVID-19 in the Small Business Community

Given that small businesses employ nearly half of all private sector workers, their struggles directly impact both the well-being of workers and the broader economy.
Dallas Fed Communities

Communities, Service Providers in Region See Long Road to COVID-19 Recovery, Fed Survey Shows

Nearly all respondents reported "significant" disruption to economic conditions in their communities, and over two-thirds anticipate a "difficult" economic recovery.
Dallas Fed Communities

Pandemic Mortgage Relief Headed Off Delinquencies, but What Happens Now?

As more Texas mortgages exit forbearance, ZIP codes with larger vulnerability will be at particular risk for financial stress.
Dallas Fed Communities

Discussion Paper
Student loans part 2: borrowing for a future

Perspectives , Paper 15

The Scarcity of Texas Affordable Housing

In 2016, the Dallas Fed launched a poll of developers to assess the state of affordable housing in Texas. Responses were analyzed, and existing secondary data were added for context. This report summarizes those results.
Community Outlook , Issue 1 , Pages 1-16

Las colonias in the 21st century: progress along the Texas-Mexico border


How PPP Loans Eluded Small Businesses of Color

Using national- and state-representative data from small business owners from the Federal Reserve System’s Small Business Credit Survey, we found that small business owners of color were in greater need of financial support than their white-owned counterparts, but they successfully accessed the PPP less frequently.
Dallas Fed Communities



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